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MCHT vs FCPT: Dividend Comparison 2026

MCHT yields 2.64% · FCPT yields 6.05%● Live data

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After 10 years · $10,000 invested · DRIP enabled
🏆 FCPT wins by $28.9K in total portfolio value
10 years
MCHT
MCHT
● Live price
2.64%
Share price
$6.06
Annual div
$0.16
5Y div CAGR
-46.7%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$20.2K
Annual income
$0.50
Full MCHT calculator →
FCPT
FCPT
● Live price
6.05%
Share price
$23.65
Annual div
$1.43
5Y div CAGR
15.8%
Payout ratio
50%
After 10 yrs · $10,000 · DRIP
Portfolio value
$49.1K
Annual income
$5,775.28
Full FCPT calculator →

Portfolio growth — MCHT vs FCPT

📍 FCPT pulled ahead of the other in Year 1

Annual dividend income

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Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis PeriodMCHTFCPT
2008–2009
GFC
— No data— No data
2020 Q1–Q2
COVID
— No data— No data
2022 Q4
Rate Hike
— No data— No data
Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.
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Dividend Calendar Overlap

Combined, MCHT + FCPT cover 0 of 12 monthsgood coverage

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
MCHT pays
FCPT pays
Both pay
Neither
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Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

MCHT
Annual income on $10K today (after 15% tax)
$224.42/yr
After 10yr DRIP, annual income (after tax)
$0.43/yr
FCPT
Annual income on $10K today (after 15% tax)
$514.49/yr
After 10yr DRIP, annual income (after tax)
$4,908.99/yr
At 15% tax rate, FCPT beats the other by $4,908.56/year in after-tax income after 10 years on $10,000
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Lazy Portfolio Split Optimizer

What's the optimal mix of MCHT + FCPT for your $10,000?

MCHT: 50%FCPT: 50%
100% FCPT50/50100% MCHT
Portfolio after 10yr
$34.6K
Annual income
$2,887.89/yr
Blended yield
8.34%
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Analyst Conviction Gap

Where Wall Street is most bullish on FCPT right now

MCHT
No analyst data
Altman Z
0.1
Piotroski
5/9
FCPT
Analyst Ratings
5
Buy
10
Hold
Consensus: Hold
Price Target
$27.00
+14.2% upside vs current
Range: $25.00 — $29.00
Altman Z
1.4
Piotroski
6/9
Analyst ratings via FMP. Altman Z-Score: >3.0 safe, 1.81–3.0 grey zone, <1.81 distress. Piotroski: 7–9 strong, 0–3 weak.
🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

MCHT buys
0
FCPT buys
0
No recent congressional trades found for MCHT or FCPT in the last 90 days.
STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →
MetricMCHTFCPT
Forward yield2.64%6.05%
Annual dividend / share$0.16$1.43
Payout ratio50%50%
1-year div growth0%0%
5-year div CAGR-46.7%15.8%
Portfolio after 10y$20.2K$49.1K
Annual income after 10y$0.50$5,775.28
Total dividends collected$304.00$24.1K
Payment frequencyquarterlyquarterly
SectorStockREIT

Year-by-year: MCHT vs FCPT ($10,000, DRIP)

YearMCHT PortfolioMCHT Income/yrFCPT PortfolioFCPT Income/yrGap
1← crossover$10,841$140.73$11,401$700.92$560.00FCPT
2$11,676$75.99$13,064$864.84$1.4KFCPT
3$12,534$40.77$15,051$1,072.48$2.5KFCPT
4$13,433$21.80$17,442$1,337.22$4.0KFCPT
5$14,385$11.64$20,340$1,677.08$6.0KFCPT
6$15,398$6.21$23,880$2,116.57$8.5KFCPT
7$16,479$3.31$28,241$2,689.36$11.8KFCPT
8$17,634$1.76$33,660$3,442.07$16.0KFCPT
9$18,870$0.94$40,456$4,439.95$21.6KFCPT
10$20,191$0.50$49,063$5,775.28$28.9KFCPT

MCHT vs FCPT: Complete Analysis 2026

MCHTStock

Mauch Chunk Trust Financial Corp. operates as the bank holding company for Mauch Chunk Trust Company that provides various banking products and services primarily in Carbon County, Pennsylvania. The company accepts various deposit products, including checking, savings, and money market accounts; certificates of deposit; and individual retirement accounts. It also offers residential mortgage, home equity, personal, small business, commercial real estate, and commercial line of credit and term loans; home equity line of credit; and commercial letters of credit, as well as various leasing and real estate investing products. In addition, the company provides investment services, such as stocks, bonds, mutual funds, exchange traded funds, annuities, managed accounts, and life insurance, as well as securities and advisory services; credit and debit cards, direct and remote deposits, switch kits, check reorders, merchant, and other services; online, mobile, and telephone banking; cash management; trust; and bill payment and payroll direct deposit services. The company operates seven branches in Jim Thorpe, Albrightsville, Nesquehoning, Lehighton, Hometown, and West Penn. Mauch Chunk Trust Financial Corp. was founded in 1864 and is based in Jim Thorpe, Pennsylvania.

Full MCHT Calculator →

FCPTREIT

FCPT, headquartered in Mill Valley, CA, is a real estate investment trust primarily engaged in the acquisition and leasing of restaurant properties. The Company seeks to grow its portfolio by acquiring additional real estate to lease, on a net basis, for use in the restaurant and retail industries.

Full FCPT Calculator →
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⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.